MOTO Definition.
Mail Order/Telephone Order: a remote payment in which the merchant itself keys in the card details, taken by phone or by mail. MOTO transactions are outside the scope of SCA, but they have no authentication and no liability shift, so the merchant bears the fraud. Keep them to controlled flows, such as call centers with secure DTMF entry, or offer payment links instead.
See also
Where this term appears
GuidePayment regulationGuideManaging SCA exemptions: fraud rates, audits, and losing the exemptionGuidePayments in FranceGuidePayments in the USGuideTaking payments by phoneGuideIn-store paymentsGuideCard payment codes and identifiersGuideMerchant agreements and onboardingGuide3-D Secure 2 and SCA exemptionsCoursePayment fundamentalsCourseA CB card transaction, end to endCourse3DS2, SCA, and payment success rates